--- title: "MTCU Credit Union Rates (Nov 2026): CDs to 2.73%" description: "MTCU Credit Union rates today: savings & CDs up to 2.73% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join MTCU Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/mtcu" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # MTCU Credit Union Rates (Nov 2026): CDs to 2.73% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.750% | 84 mo · new | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 5.250% | 84 mo · used | Standard | | **Collateral Loans New or Used (Non Purchase)** auto_any_84mo | — APR | 8.770% | 84 mo · any | Standard | MTCU Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.250% | 60 mo | Standard | | **LifeLine Line of Credit** ploc_variable | — APR | 11.750% | — | Standard | | **LifeLine Line of Credit Loan** ploc_variable | — APR | 12.000% | — | Standard | | **6-Month Payday Alternative Loan** personal_unsecured_6mo | — APR | 28.000% | 6 mo | Standard | MTCU Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Mastercard Gold** credit_card | — APR | 10.900% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 11.000% | — | Standard | | **Share Secured MasterCard** credit_card_secured | — APR | 11.900% | — | Standard | | **Credit Card** credit_card | — APR | 11.900% | — | Standard | MTCU Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Certificates of Deposit rates from $99K and over (3 Month)** cd_3mo | 2.12% APY | 2.10% | 3 mo | Standard | | **Certificates of Deposit rates from $99K and over (60 Month)** cd_60mo | 2.38% APY | 2.35% | 60 mo | Standard | | **Certificates of Deposit rates from $99K and over (24 Month)** cd_24mo | 2.58% APY | 2.55% | 24 mo | Standard | | **Certificates of Deposit rates from $99K and over (6 Month)** cd_6mo | 2.58% APY | 2.55% | 6 mo | Standard | | **Certificates of Deposit rates from $99K and over (12 Month)** cd_12mo | 2.73% APY | 2.70% | 12 mo | Standard | MTCU Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 2.73% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/mtcu) , verified from [MTCU Credit Union's official website](https://www.mtcu.org/) Loading branch locator… ## About MTCU Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 7.3K Assets $136.2M Founded 1955 Locations reported 3 NCUA charter 67642 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**MY Community** Midkiff · Midland · TX · 79701-2111 About 1.5 miles away](https://rateapi.dev/credit-unions/texas/my-community) [**Chevron** BR#30 Midland · Midland · TX · 79706 About 2.1 miles away](https://rateapi.dev/credit-unions/california/chevron) [**Citizens** Wall Street · Midland · TX · 79701 About 2.2 miles away](https://rateapi.dev/credit-unions/texas/citizens) [**Members Financial** Main Branch · Midland · TX · 79707 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/members-financial) [**Southwest 66** Midland Branch · Midland · TX · 79707-5330 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/southwest-66) [**First Basin** First Basin Credit Union · Midland · TX · 79707 About 2.6 miles away](https://rateapi.dev/credit-unions/texas/first-basin) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join MTCU Credit Union Membership eligibility from MTCU Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on MTCU Credit Union's website. Check the membership page below to confirm whether you qualify. - Location midland, martin, glasscock, andrews, crane, ector, howard, winkler, ward, reagan, upton — TX Verified from [MTCU Credit Union's membership page](https://www.mtcu.org/about/about-mtcu/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for MTCU Credit Union Geography 11 counties 55 published paths to membership, last verified August 27, 2026, quoted from MTCU Credit Union’s own published criteria. ### Geography 11 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Andrews County, TX - Crane County, TX - Ector County, TX - Glasscock County, TX - Howard County, TX - Martin County, TX - Midland County, TX - Reagan County, TX - Upton County, TX - Ward County, TX - Winkler County, TX “If you live, work, worship, attend school or business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan or Upton counties, you can join MTCU” > [source ↗](https://www.mtcu.org/about/about-mtcu/become-a-member) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for MTCU Credit Union? Yes No ## Work at MTCU Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where MTCU Credit Union ranks against Texas peers. - See which AI assistants fetched MTCU Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mtcu&state=texas&code=TX&name=MTCU%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does MTCU Credit Union offer? MTCU Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are MTCU Credit Union rates updated? RateAPI verifies MTCU Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get MTCU Credit Union's rate data? Rate data is collected directly from MTCU Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is MTCU Credit Union's best CD rate? As of November 13, 2026, MTCU Credit Union offers savings and certificate (CD) yields up to 2.73% APY. ### Who can join MTCU Credit Union? MTCU Credit Union publishes its membership criteria on its own website. RateAPI tracks 55 published membership paths covering 11 counties for MTCU Credit Union, each quoted from MTCU Credit Union's own published membership criteria. ## Related Rate Data Compare MTCU Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mtcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track MTCU Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for MTCU Credit Union curl "https://api.rateapi.dev/credit-unions/texas /mtcu " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## MTCU Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/mtcu Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp